Laser eye personal loans

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SocietyOne Excellent Credit 7.50%

Advertised Rate

From

7.50%

Fixed

Comparison Rate*

9.51%

Tier 1 Personal Loan - Fixed Repayments (Unsecured)

No ongoing feesNo early exit penalty

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laser eye surgery loans

Now showing 1 - 23 of 23 personal loans

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Product	Advertised Rate	Comparison Rate*	Company	Monthly repayment	Upfront Fee	Features	Go to site
Secured Fixed Low Rate (Excellent Credit Rating)	9.99% Fixed	11.22%	Secured Fixed Low Rate (Excellent Credit Rating)	$968	$250	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Unsecured Personal Loan (Excellent Credit Rating) (3 Years Term) specialRate Promise: Found a cheaper personal loan? RateSetter will match it & pay $200 towards your loan. T&Cs apply. *Comparison rate is calculated based on a loan of $10,000 over 3 years.	6.89% Variable	8.89%*	Unsecured Personal Loan (Excellent Credit Rating) (3 Years Term)	$925	$299	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Tier 1 Personal Loan - Fixed Repayments (Unsecured)	From 7.50% Fixed	9.51%	Tier 1 Personal Loan - Fixed Repayments (Unsecured)	$933	3% of loan amount	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Personal Loan - Personal Loan special$100 establishment fee waiver when you have an active Orange Everyday at the time of application or request to open an Orange Everyday account	8.99% Fixed	9.13%	Personal Loan - Personal Loan	$954	$100	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Personal Loan Fixed	12.45% Fixed	13.32%	Personal Loan Fixed	$1003	$150	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Low Rate Personal Loan Secured (Excellent Credit)	8.00% Fixed	8.21%	Low Rate Personal Loan Secured (Excellent Credit)	$940	$250	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Unsecured Personal Loan	Headline rate 12.69% Variable	13.56%	Unsecured Personal Loan	$1006	$150	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
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Unsecured Joint Personal Loan	From 8.95% Fixed	10.56%	Unsecured Joint Personal Loan	$953	$495	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Unsecured Personal Loan	From 13.99% Fixed	15.19%	Unsecured Personal Loan	$1025	$250	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Unsecured Fixed Low Rate (Excellent Credit Rating)	10.99% Fixed	12.21%	Unsecured Fixed Low Rate (Excellent Credit Rating)	$982	$250	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Secured Personal Loan	From 12.99% Fixed	14.20%	Secured Personal Loan	$1011	$250	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Low Rate Secured Loan	4.69% Variable	7.16%	Low Rate Secured Loan	$895	$200	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Secured Variable Standard Personal Loan	12.49% Variable	13.11%	Secured Variable Standard Personal Loan	$1003	$200	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Secured Fixed Standard Personal Loan	10.99% Fixed	11.62%	Secured Fixed Standard Personal Loan	$982	$200	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
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Discounted Personal Loan	7.99% Fixed	8.35%	Discounted Personal Loan	$940	$250	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Unsecured Personal Loan	13.99% Fixed	15.78%	Unsecured Personal Loan	$1025	$250	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Secured Personal Loan Fixed 2 years	5.99% Fixed	6.63%	Secured Personal Loan Fixed 2 years	$913	$200	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Personal Loan	15.99% Variable	16.84%	Personal Loan	$1055	$150	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Tier 2 SocietyOne Loan Fixed	From 10.49% Fixed	13.38%	Tier 2 SocietyOne Loan Fixed	$975	4.25% of loan amount	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Discount Personal Loan	10.89% Variable	11.15%	Discount Personal Loan	$981	$175	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Unsecured Personal Loan Fixed	Headline rate 12.69% Fixed	13.56%	Unsecured Personal Loan Fixed	$1006	$150	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
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Low Rate Personal Loan Unsecured (Very Good Credit)	9.35% Fixed	9.67%	Low Rate Personal Loan Unsecured (Very Good Credit)	$959	$250	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details
Unsecured Personal Loan	12.99% Fixed	14.14%	Unsecured Personal Loan	$1011	$250	Redraw facility Extra repayments Fully drawn advance Secured	Go to site	More details

Include all personal loans products without View Now links

Data last updated on 6 Dec 2019

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Secured Fixed Low Rate (Excellent Credit Rating)

9.99%

Fixed

11.22%

Can apply online

Unsecured Personal Loan (Excellent Credit Rating) (3 Years Term)

specialRate Promise: Found a cheaper personal loan? RateSetter will match it & pay $200 towards your loan. T&Cs apply.

6.89%

Variable

8.89%*

Tier 1 Personal Loan - Fixed Repayments (Unsecured)

From

7.50%

Fixed

9.51%

No ongoing fees
No early exit penalty
Can apply online
Suitable for both new or used car

Personal Loan

special$100 establishment fee waiver when you have an active Orange Everyday at the time of application or request to open an Orange Everyday account

8.99%

Fixed

9.13%

Nick BendelProperty Personal Finance Writer

Can you take out personal loans for laser eye surgery?

Yes, you can take out personal loans for laser eye surgery. Those who wear glasses or contact lenses will know that it can be a hassle. If you’re fed up with annual eye tests and keeping your lenses current, you may be wanting to explore laser eye surgery. While this can be a game changer for most, it does come at a price. People who can’t afford to pay for the procedure upfront may wish to take out a personal loan for laser eye surgery and pay it off over a period.

Who offers personal loans for laser eye surgery?

Medical loans like personal loans for laser eye surgery are offered by a range of traditional and non-traditional lenders, including banks, credit unions and online-only lenders. Depending on the amount you’re looking to borrow, your credit history and the type of loan you’re looking for, there are plenty of personal loans for laser eye surgery to choose from.

How do you take out personal loans for laser eye surgery?

If you’re looking to take out a personal loan for laser eye surgery, always start by comparing your options. Once you’ve found a personal loan for laser eye surgery which suits your needs and budget, you can click through directly to the lender's website and begin the application process. Depending on your needs and current financial situation, some borrowers may wish to engage a mortgage broker to help them structure their personal loans for laser eye surgery. Either way, you’ll need to give proof of identity. You’ll probably also have to provide evidence of your employment, income and financial position.

Can people with bad credit take out personal loans for laser eye surgery?

When it comes to borrowers with bad credit, there are generally not as many options available, especially through traditional lenders like banks and credit unions. There is, however, a range of non-traditional online lenders and peer-to-peer lending marketplaces that offer medical loans such as personal loans for laser eye surgery to borrowers with bad credit. Borrowers who have a history of bad credit should be cautious not to overextend themselves and take out a loan they can’t afford to repay.

How do you compare personal loans for laser eye surgery?

There is a wide range of personal loans for laser eye surgery on offer. To help you compare your options, look at the following;

Interest rate – Start by looking at the interest rate and compare the difference between a fixed and variable rate. When comparing options side by side, look at the comparison rate as it combines most fees to give you a more accurate picture of the cost of the loan.
Fees – Fees vary between lenders, so check establishment fees, ongoing fees, early repayment penalties and late payment fees.
Loan amount – Some lenders may have a minimum loan amount which may not suit you.
Loan terms – Loan terms vary between 30 days and seven years, depending on the lender and the amount you wish to borrow.
Repayment schedule – Some lenders may let you schedule your repayments to suit your pay cycle.

What are the pros and cons of personal loans for laser eye surgery?

Aside from the relief of not having to wear glasses or contact lenses again, there are other pros and cons of personal loans for laser eye surgery. Generally speaking, personal loans for laser eye surgery tend to have lower interest rates than credit cards, which might make this type of credit better value in the long run. If you opt for a short-term loan, always examine interest rates as short-term loans will generally be more expensive and have higher interest rates.

Nick Bendel is RateCity’s property and personal finance editor, and covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Smart Property Investment, Elite Agent, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.

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FAQs

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If you’re having trouble being approved for a loan of less than $2000, and urgently need to purchase household essentials, there may be emergency loan options available to you.

For example, the No Interest Loans Scheme (NILS) allows low-income borrowers to take out interest-free loans of up to $1500 for essential goods and services.

For further assistance, consider contacting a financial counsellor, or calling the National Debt Helpline on 1300 007 007

Most negative events that appear on a personal’s credit file will stay in their credit history for up to seven years.

You may be able to improve your credit score by correcting errors in your credit report, clearing outstanding debts, and maintaining good financial habits over time.

It can be hard to improve your credit score, as it usually requires sacrifice and discipline, but hard doesn’t necessarily mean complicated. There are nine steps you can take to improve your credit score, most of which are simple to follow.

As a general rule, the lower your credit score, the more remedies you can apply and the greater the scope for improvement.

Even if a lender has no credit checks, they will usually still need to confirm you can afford to repay a fast loan on your income before they’ll approve your application.

If 50% or more of your income comes from Centrelink payments, you may find it more difficult to have a fast loan application approved. Consider checking with the lender before applying to confirm if they lend to people on Centrelink.

Some lenders offer fast loans to borrowers with bad credit. Providers of small payday loans of up to $2000 or medium amount loans of up to $5000 may have no credit checks, though these lenders will usually want to confirm you can afford their loans on your income.

Comprehensive credit reporting may change your credit score – either positively or negatively.

Under comprehensive credit reporting, credit providers will share more information about how you and other Australians manage credit products. That means credit reporting bureaus will be able to make a more thorough assessment of everyone’s credit behaviour. For some consumers, that will lead to higher scores; for others, lower scores.

Many borrowers use quick loans to cover short-term costs, such as paying for car repairs, medical bills, or replacing broken appliances or electronics.

Before applying for a quick loan, consider whether other options are available, such as working out a payment plan or applying for an advance or extension.

The No Interest Loans Scheme (NILS) allows low income borrowers to take out no-interest loans for up to $1500 to purchase essential goods and services.

There are also similar low-interest loan schemes available to borrowers in financial hardship who are having a tough time getting finance approved.

When many lenders assess a borrower’s income to determine whether they can afford a loan’s repayments without ending up in financial stress, they may not count Centrelink payments as income for this purpose.

Before applying for an emergency loan, it may be worth contacting a potential lender to find out if they accept applications from borrowers on Centrelink.

If more than half of your income comes from Centrelink benefits, it may be more difficult to have a $2000 loan application approved. Many lenders will check if you can afford a loan’s repayments on the income from your job before they’ll approve an application, and many won’t count Centrelink payments when assessing your income for this purpose.

Some lenders will offer $2000 loans to borrowers on Centrelink – consider contacting potential lenders to check before applying.